摘要
文章利用北京大学数字普惠金融指数和中国家庭跟踪调查数据,应用面板Probit模型针对数字普惠金融对农户创业的影响进行研究。结果表明:数字普惠金融总指数及其覆盖广度、使用深度及移动支付指数对农户创业选择有显著的促进作用;数字普惠金融在经济水平及城镇化率较低的欠发达地区对农户创业具有更强的促进效应,即数字普惠金融影响农户创业的“长尾效应”成立;数字普惠金融发展有效提升农户创业绩效。未来中国应持续加强数字普惠金融建设力度,优化农户创业环境,提升农户创业能力,改善农户创业绩效。
Using the digital inclusive finance index of Peking University and the tracking survey data of Chinese families,this paper studies the impact of digital inclusive finance on farmers'entrepreneurship by using panel probit model.The results show that:The general index of digital inclusive finance and its coverage,use depth and mobile payment index can significantly promote farmers'entrepreneurial choice;Digital inclusive finance has a stronger promoting effect on farmers'entrepreneurship in underdeveloped areas with low economic level and urbanization rate,that is,the"long tail effect"of digital inclusive finance on farmers'entrepre-neurship is established;The development of digital inclusive finance effectively improves farmers'entrepreneurial performance.In the future,China should continue to strengthen the construction of digital inclusive finance,optimize farmers'entrepreneurial environment,improve farmers'entrepreneurial ability and improve farmers'entrepreneurial performance.
作者
宋伟
张保珍
杨海芬
SONG Wei;ZHANG Bao-zhen;YANG Hai-fen(School of Economics and Management,Hebei Agricultural University,Baoding Hebei 071000,China;School of Economics and Trade,Hebei University of Finance,Baoding Hebei 071051,China;School of International Trade,University of Foreign Economic Relations and Trade,Beijing 100020,China)
出处
《技术经济与管理研究》
北大核心
2022年第2期99-104,共6页
Journal of Technical Economics & Management
基金
河北省科技厅软科学专项(21557680D)
河北省高等学校人文社会科学研究项目(SQ2021092)
国家社会科学基金项目(20BJY156)。
关键词
数字普惠金融
农户创业
长尾效应
创业绩效
Digital inclusive finance
Farmer entrepreneurship
Long tail effect
Entrepreneurial performance
